Yếu tố tác động đến ý định thay đổi công nghệ trong hoạt động kinh doanh ngân hàng thời đại cách mạng công nghiệp 4.0 tại Việt Nam
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Tóm tắt
Mục tiêu của bài nghiên cứu là tìm hiểu yếu tố tác động đến ý định thay đổi công nghệ để phục vụ kinh doanh trong ngành ngân hàng của Việt Nam trong bối cảnh cách mạng công nghiệp 4.0, với các yếu tố đề xuất: (1) Sự hữu ích; (2) Tính dễ sử dụng; (3) Sự tin tưởng; (4) Yếu tố xã hội; (5) Yếu tố đổi mới; (6) Yếu tố sự hiệu quả, trong đó, yếu tố “Sự hiệu quả” là yếu tố mới được đề xuất trong bối cảnh nghiên cứu của nhóm tác giả. Để giải quyết mục tiêu đặt ra nhóm tác giả sử dụng phương pháp định tính kết hợp với nghiên cứu định lượng để giải quyết vấn đề; sử dụng thang đo và dữ liệu thu thập được kiểm định độ tin cậy Cronbach’s Alpha, phân tích nhân tố khám phá EFA, phân tích nhân tố khẳng định CFA và kiểm định mô hình hồi quy với mô hình cấu trúc tuyến tính SEM thông qua phần mềm AMOS. Kết quả nghiên cứu cho thấy sự hữu ích, tính dễ sử dụng của công nghệ có tác động đến sự thay đổi công nghệ của các ngân hàng. Ngoài ra sự tin tưởng, yếu tố đổi mới của các nhà quản trị ngân hàng cũng có ảnh hưởng đến ý định thay đổi công nghệ của các ngân hàng. Đặc biệt một phát hiện mới của nhóm nghiên cứu là yếu tố sự hiệu quả có tác động tích cực đến sự thay đổi công nghệ của các ngân hàng thương mại của Việt Nam. Từ kết quả nghiên cứu tác giả đề xuất các khuyến nghị nhằm giúp các nhà quản lý ngân hàng đẩy mạnh sự thay đổi công nghệ và khai thác hiệu quả công nghệ để nâng cao hiệu quả hoạt động kinh doanh ngân hàng trong bối cảnh cuộc cách mạng công nghiệp (CMCN) 4.0.
Chi tiết bài viết
Từ khóa
Yếu tố, ý định thay đổi công nghệ, kinh doanh ngân hàng, cách mạng công nghiệp 4.0
Tài liệu tham khảo
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Bùi Quang Tiên (2017), Tác động của Cách mạng công nghiệp 4.0 đối với ngành Ngân hàng Việt Nam và cơ hội, thách thức đối với lĩnh vực thanh toán; Tạp chí Ngân hàng. Số 8/2017 .- Tr. 2 – 5.
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Chaniotakis, I. E., Lymperopoulos, C., & Soureli, M. (2010). Consumers’ intentions of buying own-label premium food products. Journal of Product & Brand Management, 19(5), 327–334.
Chaudhuri A. & Holbrook B. M. (2001). The Chain Of Effects From Brand Trust And Brand Affects To Brand Performance: The Role of Brand Loyalty. Journal of Marketing, Vol.65, p.81-93.
Cheng, Q. & Song, Y. F. (2008). Customer acceptance of Internetbanking: Integrating trust & quality with UTAUT Model.
Chitungo, S.K. & Munongo, S., (2013). Extending the Technology Acceptance Model to Mobile Banking Adoption in Rural Zimbabwe. Journal of Business Administration and Education, 3(1), 51-79.
Dasgupta, S., R. Paul, and S. Fuloria. (2011). Factors affecting behavioral intentions towards mobile banking usage: Empirical evidence from India, Romanian Journal of Marketing, Vol. 3, No. 1, pp. 6-28.
Davis, F.D, Bagozzi, R.P & Warshaw, P.R. (1989). User acception of computer technology: A comparision of two theoretical models. Management Science, 982-1003.
Davis, F.D. (1993). User acceptance of information technology: System characteristics, user perceptions and behavioral impacts. International Journal of ManMachine Studies, 38, 475-487
Engel J., Kollatt D. & Blackewll R. (1978). Consumer behavior, Dryden Press.
Fishbein, M. & Ajzen, I. (1975). Belief, attiude, intention & behavior: An introduction to theory & research. Reading, MA: Addison-Wesley.
Foon, Y.S. and Fah, B.C.Y. (2011). Internet Banking Adoption in Kuala Lumpur: An Application of UTAUT Model. International Journal of Business and Management, 6, 161-167.
Fornell, C., & Larcker, D. F. (1981). Structural equation models with unobservable variables and measurement error: Algebra and statistics. Journal of Marketing Research, 382-388.
Fornell, C. & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of marketing research, 18(1), 39-50.
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Hair, J., Black, W., Babin, B., Anderson, R., Tatham, R. and Black, W. (2010). Multivariate Data Analysis. 7th edition, Prentice-Hall International Inc., Upper Saddle River.
Ho & Mallick. (2016). The Impact of Information Technology on the Banking Industry: Theory and Empirics. Information System Research, 9 (1), 1-9.
Hoàng Trọng, Chu Nguyễn Mộng Ngọc. (2008). Phân tích dữ liệu nghiên cứu với SPSS. NXB Hồng Đức. Gerbing, D. W. & Anderson, J. C. (1988). An updated paradigm for scale development incorporating uni-dimensionality and its assessment. Journal of Marketing Research, 25(2), 186-192
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Joseph, M., McClure, C. and Joseph, B. (1999). Service quality in the banking sector: the impact of technology on service delivery. International Journal of Bank Marketing, Vol. 17 No. 4, pp. 182–191.
Joseph, M. and Stone, G. (2003). An empirical evaluation of us bank customer perceptions of the impact of technology on service delivery in the banking sector. International Journal of Retail & Distribution Management, Vol. 31 No. 4, pp. 190-202.
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Laforet, S. and Li, X. (2005). Consumers Attitudes towards Online and Mobile Banking in China.
International Journal of Bank Marketing, 23, 362-380
Luarn, P. & Lin, H.H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, Vol. 21, 873-891.
Mala, K. & Phil. M, (2017). International Journal of Pharmaceutical Sciences and Business Management, Vol. 5 Issue. 1, January - 2017, pg. 1-7.
Manning, K.C. Bearden, W.O & Madden, T.J. (1995). Consumer inovativeness & adoption process. Journal of consumer Psychology, 4, 329 – 345
Mulligan, P. and Gordon, S. (2002). The impact of information technology on customer and supplier relationships in the financial services. International Journal of Service Industry Management, Vol. 13 No. 1, pp. 29-46.
Muneer, A. (2011). E-banking in Jordan. Behaviour & Information Technology. 2011.
10.1080/0144929X.2011.586725.
Muneer, A.; Juma’h A. and Mustafa, A. (2012). The Development of E-Banking in Developing Countries in the Middle East. Journal of Finance. Accounting and Management, 3(2), 107-123.
Navaretti & Calzolari & Mansilla-Fernandez & Pozzolo. (2017). FinTech and Banking. Friends or Foes?
Nguyễn Duy Thanh & Cao Hào Thi. (2014). Mô hình cấu trúc cho sự chấp nhận sử dụng ngân hàng điện tử ở Việt Nam, Tạp chí phát triển kinh tế số 281.
Phạm Xuân Hòe, (2017) Định hướng tiếp cận, ứng dụng cách mạng công nghiệp 4.0 của ngân hàng Việt Nam, Tạp chí Thị Trường Tài Chính Tiền Tệ. Số 15/2017. Tr.18-21.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., Pahnila, S. (2004)., Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, Vol. 14, No. 3, pp. 224-235
Puschel, J., J. A. Mazzon, and J. M. C. Hernandez. (2010). Mobile banking: Proposition of an integrated adoption intention framework. International Journal of Bank Marketing, Vol. 28, No. 5: 389-409.
Ratten, V. (2008). Technological Innovations in the M-Commerce Industry: A Conceptual Model of WAP Banking Intentions. Journal of High Technology Management Research, 18(2), pp. 111-117
Rauyruen P. & K. E. Miller. (2007). Relationship quality as a predictor of B2B customer loyalty. Journal of Business Research, 60, 21–31.
Rishi, M. & Saxena, S. C. (2004). Technological innovations in the Indian banking industry: The late bloomer. Accounting, Business and Financial History, 14(3), pp. 339-353.
Riquelme, H., & Rios, R.E. (2010). The moderating effect of gender in the adoption of mobile banking. International Journal of Bank Marketing, 28(5), 328-341.
Safeena, R. & Date, H. & Kammani, A. (2011). Internet banking adoption in an emerging economy: Indian consumer’s perspective, International Arab Journal of E- Technology, 2 (1) (2011), pp. 56-64.
Saibaba, S., & Naryana, M. T. (2013). determinants of internet banking acceptance in india – a structural equation modeling (SEM) approach, 4(4), 485–496.
Schilling, M. A. (2009). Strategic Management of Technological Innovation. Mc GrawHill.
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